Buy a home
Federal Housing Administration (FHA) Loans
A government-insured loan with flexible qualifying, popular with first-time buyers and people who are building or rebuilding credit.
Who it's for
- First-time buyers who want a lower down payment option
- Buyers whose credit is still a work in progress
- Borrowers carrying a bit more debt relative to income
Requirements at a glance
Down paymentLower than many other loan types.
CreditMore flexible than conventional.
PropertyPrimary home that meets FHA condition standards.
Mortgage insuranceRequired, with an upfront cost and a monthly cost.
General information only. Eligibility, terms, and requirements vary by lender and borrower, and not everyone will qualify. This is not a commitment to lend.
How it works
Four steps. Zero guesswork.
1
Tell me your goals
A short, no-pressure conversation about what you want and your numbers.
2
I compare lenders
I look across lenders to find the best FHA loan option for your situation.
3
You apply, I run the file
One application. I manage the file and keep you updated.
4
Close with confidence
You know what to expect at every step, all the way to the keys.
Questions
Good to know.
No. Anyone who qualifies can use it, whether it's your first home or your next.
Often by refinancing into another loan once you have enough equity. We can run the numbers when it makes sense.
Yes. FHA requires an appraisal that checks basic safety and condition, so some homes need repairs first.
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Let's get started
Ready to see what you qualify for?
It takes five minutes and a soft credit check. No obligation, no pressure, just a clear picture of your options.